“Ara\u00e7larda de\u011fer kayb\u0131 nedir?” sorusu, kaza yapan bir\u00e7ok s\u00fcr\u00fcc\u00fcn\u00fcn kar\u015f\u0131s\u0131na \u00e7\u0131kar ve olduk\u00e7a merak edilir. Ara\u00e7 de\u011fer kayb\u0131, meydana gelen bir kaza sonras\u0131 onar\u0131lan arac\u0131n ikinci el piyasa fiyat\u0131na g\u00f6re de\u011fer kaybetmesidir. Kazan\u0131n ard\u0131ndan tamir edilen arac\u0131n onar\u0131m\u0131 her ne kadar kusursuz olsa da, araban\u0131n sat\u0131\u015f fiyat\u0131 kaza \u00f6ncesi belirlenen sat\u0131\u015f fiyat\u0131ndan her hal\u00fckarda daha d\u00fc\u015f\u00fck olacak ve kazan\u00e7 kayb\u0131 olu\u015facakt\u0131r.<\/p> <\/div>
Ara\u00e7 kazalar\u0131 sonras\u0131 bir\u00e7ok s\u00fcr\u00fcc\u00fc arabas\u0131n\u0131 tamir ettirdikten sonra satmaya e\u011filim g\u00f6sterebilir. Bu tarz durumlar\u0131n ya\u015fanmas\u0131 sonucu arac\u0131n ikinci el sat\u0131\u015f fiyat\u0131nda d\u00fc\u015f\u00fc\u015f oldu\u011funu g\u00f6zlemleyen ara\u00e7 sahiplerinin \u00e7oklu\u011fu, ara\u00e7larda de\u011fer kayb\u0131 sorununda bilincin artmas\u0131na vesile olmu\u015ftur. Kaza yaparak hasar g\u00f6ren bir ara\u00e7, onar\u0131ld\u0131ktan sonra hasar\u0131n derecesine g\u00f6re de\u011fer kayb\u0131 ya\u015far. De\u011fer kayb\u0131n\u0131 kar\u015f\u0131layacak taraf ise kazada tamamen kusurlu ya da di\u011fer s\u00fcr\u00fcc\u00fcye nazaran daha kusurlu olan taraft\u0131r. Di\u011fer bir deyi\u015fle e\u011fer kazada kusuru olan siz de\u011filseniz ya da kar\u015f\u0131 tarafa k\u0131yasla kusurunuz daha azsa arac\u0131n\u0131zda meydana gelen de\u011fer kayb\u0131, kazaya kar\u0131\u015fan di\u011fer s\u00fcr\u00fcc\u00fc taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/p> <\/div> <\/div>\n\n\n\n
![\"\"](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/arac-nasil-deger-kaybeder.jpg\")
<\/figure><\/div>\n\n\n\nDe\u011fer Kayb\u0131 Haklar\u0131 Nelerdir?<\/strong><\/h2>\n\n\n\nAra\u00e7 sahibi olarak kazan\u0131n ard\u0131ndan hasar g\u00f6ren arac\u0131n\u0131z\u0131 orijinal par\u00e7alarla tamir ettirseniz bile araban\u0131z kay\u0131tlara kusurlu ara\u00e7 olarak ge\u00e7ecektir. Ancak kaza esnas\u0131nda kusursuz taraf olman\u0131za ve araban\u0131z\u0131 sorunsuz bir \u015fekilde tamir ettirmenize ra\u011fmen, arac\u0131n\u0131z\u0131n de\u011fer kayb\u0131 ya\u015famas\u0131ndan dolay\u0131 zararl\u0131 \u00e7\u0131kmak durumunda de\u011filsiniz. \u201cBu durumda ne yapmal\u0131?\u201d diye merak eden s\u00fcr\u00fcc\u00fclerin haklar\u0131n\u0131 bilmesi, de\u011fer kayb\u0131 sorununu en az zararla \u00e7\u00f6zmesine olanak tan\u0131r. Kusursuz ara\u00e7 sahibi, kusurlu ara\u00e7 sahibinden ya da ruhsat sahibinden de\u011fer kayb\u0131n\u0131 kar\u015f\u0131lamas\u0131 i\u00e7in mahkeme yoluyla hak talep edebilir.<\/p>\n\n\n\n
Ara\u00e7 De\u011fer Kayb\u0131n\u0131 Hangi Sigorta Kar\u015f\u0131lar?<\/strong><\/h2>\n\n\n\nAra\u00e7taki hasar ve olu\u015fan maddi kay\u0131p iki sigorta \u00fcr\u00fcn\u00fcyle kar\u015f\u0131lanabilir. Bunlardan biri Zorunlu Trafik Sigortas\u0131, di\u011feri ise Kasko Sigortas\u0131\u2019d\u0131r. Peki, hangi durumda hangi sigorta size yard\u0131mc\u0131 olur?<\/p>\n\n\n\n
- Zorunlu Trafik Sigortas\u0131, trafikteki di\u011fer ara\u00e7lar\u0131 koruma alt\u0131na al\u0131p ara\u00e7 sahibinin maddi ve manevi y\u00fck\u00fcn\u00fc kar\u015f\u0131lamay\u0131 ama\u00e7lar. E\u011fer kazaya kar\u0131\u015fan birden \u00e7ok ara\u00e7 varsa bu durumda Zorunlu Trafik Sigortas\u0131, her arac\u0131n hasar\u0131n\u0131 kar\u015f\u0131lamayabilir; sadece kusursuz ya da en az kusurlu ara\u00e7 sahibine \u00f6deme yapabilir.<\/li>
- Kazaya kar\u0131\u015fan birden \u00e7ok ara\u00e7 olmas\u0131 ve bu nedenle hasar\u0131n\u0131z\u0131n kar\u015f\u0131lanmamas\u0131 durumunda Kasko Sigortas\u0131\u2019na sahipseniz hasar\u0131n\u0131z\u0131n kar\u015f\u0131lanmas\u0131n\u0131 talep edebilirsiniz.<\/li><\/ul>\n\n\n\n
![\"\"](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2019\/05\/arac-deger-kaybi-basvurusu.jpg\")
<\/figure><\/div>\n\n\n\nAra\u00e7 De\u011fer Kayb\u0131 Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\nBa\u015fvuru yapabilmeniz i\u00e7in a\u015fa\u011f\u0131daki ara\u00e7 de\u011fer kayb\u0131 talebi \u015fartlar\u0131 yerine getirilmelidir. Aksi takdirde olumsuz sonu\u00e7larla kar\u015f\u0131 kar\u015f\u0131ya kalabilirsiniz.<\/p>\n\n\n\n
- Kazada ma\u011fdur olan taraf olmal\u0131s\u0131n\u0131z. Kazaya sebebiyet veren s\u00fcr\u00fcc\u00fc sizseniz hak talep edemezsiniz.<\/li>
- Kaza sonras\u0131ndaki 2 y\u0131l i\u00e7erisinde ba\u015fvuru yapmal\u0131s\u0131n\u0131z. Aksi takdirde de\u011fer kayb\u0131 ba\u015fvuru hakk\u0131n\u0131 kaybetmi\u015f olursunuz.<\/li>
- E\u011fer hak talep edece\u011finiz s\u00fcr\u00fcc\u00fcn\u00fcn Zorunlu Trafik Sigortas\u0131 yoksa ki\u015finin kendisinden de hasar\u0131 kar\u015f\u0131lamas\u0131n\u0131 isteyebilirsiniz.<\/li><\/ul>\n\n\n\n
Ara\u00e7 de\u011fer kayb\u0131 ba\u015fvurusu yapabilmek i\u00e7in ekspertiz raporu ile birlikte sigorta \u015firketine ba\u015fvuruda bulunabilirsiniz. E\u011fer sigorta \u015firketi ile bir sorun ya\u015farsan\u0131z Sigorta Tahkim Komisyonu ile ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\n
Ara\u00e7 De\u011fer Kayb\u0131 Hesaplama Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\nAra\u00e7 de\u011fer kayb\u0131 hesaplamas\u0131 yaparken a\u015fa\u011f\u0131daki noktalar dikkate al\u0131n\u0131r:<\/p>\n\n\n\n
- Arac\u0131n \u00fcretim senesi,<\/li>
- Arac\u0131n hasar ge\u00e7mi\u015fi ve niteli\u011fi,<\/li>
- Arac\u0131n kilometresi,<\/li>
- Arac\u0131n marka ve modeli,<\/li>
- Arac\u0131n trafi\u011fe \u00e7\u0131k\u0131\u015f tarihi,<\/li>
- Arac\u0131n pazar de\u011feri.<\/li><\/ul>\n\n\n\n
MAPFRE Sigorta ile Arac\u0131n\u0131z\u0131 G\u00fcvence Alt\u0131na Al\u0131n<\/strong><\/h2>\n\n\n\nZorunlu Trafik Sigortas\u0131<\/a>, kaza gibi ba\u015f\u0131n\u0131za gelmesini istemedi\u011finiz k\u00f6t\u00fc s\u00fcrprizler sonras\u0131nda kar\u015f\u0131daki arac\u0131n maddi ve manevi sorumlulu\u011funu \u00fcstlenir ve yapt\u0131r\u0131lmas\u0131 devlet taraf\u0131ndan zorunludur.<\/p>\n\n\n\nKasko Sigortas\u0131<\/a> ise zorunlu de\u011fildir fakat kaza, do\u011fal afetler, arac\u0131n \u00e7al\u0131nmas\u0131 gibi pek \u00e7ok olumsuz senaryo sonras\u0131nda maddi ve manevi olarak sizin arac\u0131n\u0131z odakl\u0131 g\u00fcvence sa\u011flar. Di\u011fer bir deyi\u015fle Kasko Sigortas\u0131 da olmazsa olmaz ara\u00e7, trafik sigortalar\u0131ndan biridir. Zorunlu Trafik Sigortas\u0131 Teklif<\/a> ve Kasko Sigortas\u0131 Teklif<\/a> sayfalar\u0131m\u0131z\u0131 ziyaret ederek MAPFRE Sigorta ile kendinizi g\u00fcvence alt\u0131na almak ad\u0131na hemen \u00f6nemli bir ad\u0131m atabilirsiniz. <\/p>\n","protected":false},"excerpt":{"rendered":"Trafik kazalar\u0131 sonucu hasar g\u00f6ren ara\u00e7lar, eski halinden farks\u0131z olacak \u015fekilde onar\u0131lsalar bile TRAMER kay\u0131tlar\u0131na hasarl\u0131 ara\u00e7 olarak ge\u00e7iyor ve…<\/p>\n","protected":false},"author":3,"featured_media":3683,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[899,911,914],"class_list":["post-3680","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-yasa","tag-ipucu","tag-oto-yasam","tag-yol-asistani"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=3680"}],"version-history":[{"count":3,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680\/revisions"}],"predecessor-version":[{"id":6630,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680\/revisions\/6630"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/3683"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=3680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=3680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=3680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Ara\u00e7taki hasar ve olu\u015fan maddi kay\u0131p iki sigorta \u00fcr\u00fcn\u00fcyle kar\u015f\u0131lanabilir. Bunlardan biri Zorunlu Trafik Sigortas\u0131, di\u011feri ise Kasko Sigortas\u0131\u2019d\u0131r. Peki, hangi durumda hangi sigorta size yard\u0131mc\u0131 olur?<\/p>\n\n\n\n
- Zorunlu Trafik Sigortas\u0131, trafikteki di\u011fer ara\u00e7lar\u0131 koruma alt\u0131na al\u0131p ara\u00e7 sahibinin maddi ve manevi y\u00fck\u00fcn\u00fc kar\u015f\u0131lamay\u0131 ama\u00e7lar. E\u011fer kazaya kar\u0131\u015fan birden \u00e7ok ara\u00e7 varsa bu durumda Zorunlu Trafik Sigortas\u0131, her arac\u0131n hasar\u0131n\u0131 kar\u015f\u0131lamayabilir; sadece kusursuz ya da en az kusurlu ara\u00e7 sahibine \u00f6deme yapabilir.<\/li>
- Kazaya kar\u0131\u015fan birden \u00e7ok ara\u00e7 olmas\u0131 ve bu nedenle hasar\u0131n\u0131z\u0131n kar\u015f\u0131lanmamas\u0131 durumunda Kasko Sigortas\u0131\u2019na sahipseniz hasar\u0131n\u0131z\u0131n kar\u015f\u0131lanmas\u0131n\u0131 talep edebilirsiniz.<\/li><\/ul>\n\n\n\n<\/figure><\/div>\n\n\n\n
Ara\u00e7 De\u011fer Kayb\u0131 Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n
Ba\u015fvuru yapabilmeniz i\u00e7in a\u015fa\u011f\u0131daki ara\u00e7 de\u011fer kayb\u0131 talebi \u015fartlar\u0131 yerine getirilmelidir. Aksi takdirde olumsuz sonu\u00e7larla kar\u015f\u0131 kar\u015f\u0131ya kalabilirsiniz.<\/p>\n\n\n\n
- Kazada ma\u011fdur olan taraf olmal\u0131s\u0131n\u0131z. Kazaya sebebiyet veren s\u00fcr\u00fcc\u00fc sizseniz hak talep edemezsiniz.<\/li>
- Kaza sonras\u0131ndaki 2 y\u0131l i\u00e7erisinde ba\u015fvuru yapmal\u0131s\u0131n\u0131z. Aksi takdirde de\u011fer kayb\u0131 ba\u015fvuru hakk\u0131n\u0131 kaybetmi\u015f olursunuz.<\/li>
- E\u011fer hak talep edece\u011finiz s\u00fcr\u00fcc\u00fcn\u00fcn Zorunlu Trafik Sigortas\u0131 yoksa ki\u015finin kendisinden de hasar\u0131 kar\u015f\u0131lamas\u0131n\u0131 isteyebilirsiniz.<\/li><\/ul>\n\n\n\n
Ara\u00e7 de\u011fer kayb\u0131 ba\u015fvurusu yapabilmek i\u00e7in ekspertiz raporu ile birlikte sigorta \u015firketine ba\u015fvuruda bulunabilirsiniz. E\u011fer sigorta \u015firketi ile bir sorun ya\u015farsan\u0131z Sigorta Tahkim Komisyonu ile ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\n
Ara\u00e7 De\u011fer Kayb\u0131 Hesaplama Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n
Ara\u00e7 de\u011fer kayb\u0131 hesaplamas\u0131 yaparken a\u015fa\u011f\u0131daki noktalar dikkate al\u0131n\u0131r:<\/p>\n\n\n\n
- Arac\u0131n \u00fcretim senesi,<\/li>
- Arac\u0131n hasar ge\u00e7mi\u015fi ve niteli\u011fi,<\/li>
- Arac\u0131n kilometresi,<\/li>
- Arac\u0131n marka ve modeli,<\/li>
- Arac\u0131n trafi\u011fe \u00e7\u0131k\u0131\u015f tarihi,<\/li>
- Arac\u0131n pazar de\u011feri.<\/li><\/ul>\n\n\n\n
MAPFRE Sigorta ile Arac\u0131n\u0131z\u0131 G\u00fcvence Alt\u0131na Al\u0131n<\/strong><\/h2>\n\n\n\n
Zorunlu Trafik Sigortas\u0131<\/a>, kaza gibi ba\u015f\u0131n\u0131za gelmesini istemedi\u011finiz k\u00f6t\u00fc s\u00fcrprizler sonras\u0131nda kar\u015f\u0131daki arac\u0131n maddi ve manevi sorumlulu\u011funu \u00fcstlenir ve yapt\u0131r\u0131lmas\u0131 devlet taraf\u0131ndan zorunludur.<\/p>\n\n\n\n
Kasko Sigortas\u0131<\/a> ise zorunlu de\u011fildir fakat kaza, do\u011fal afetler, arac\u0131n \u00e7al\u0131nmas\u0131 gibi pek \u00e7ok olumsuz senaryo sonras\u0131nda maddi ve manevi olarak sizin arac\u0131n\u0131z odakl\u0131 g\u00fcvence sa\u011flar. Di\u011fer bir deyi\u015fle Kasko Sigortas\u0131 da olmazsa olmaz ara\u00e7, trafik sigortalar\u0131ndan biridir. Zorunlu Trafik Sigortas\u0131 Teklif<\/a> ve Kasko Sigortas\u0131 Teklif<\/a> sayfalar\u0131m\u0131z\u0131 ziyaret ederek MAPFRE Sigorta ile kendinizi g\u00fcvence alt\u0131na almak ad\u0131na hemen \u00f6nemli bir ad\u0131m atabilirsiniz. <\/p>\n","protected":false},"excerpt":{"rendered":"
Trafik kazalar\u0131 sonucu hasar g\u00f6ren ara\u00e7lar, eski halinden farks\u0131z olacak \u015fekilde onar\u0131lsalar bile TRAMER kay\u0131tlar\u0131na hasarl\u0131 ara\u00e7 olarak ge\u00e7iyor ve…<\/p>\n","protected":false},"author":3,"featured_media":3683,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,887],"tags":[899,911,914],"class_list":["post-3680","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otomobil","category-yasa","tag-ipucu","tag-oto-yasam","tag-yol-asistani"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=3680"}],"version-history":[{"count":3,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680\/revisions"}],"predecessor-version":[{"id":6630,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3680\/revisions\/6630"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/3683"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=3680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=3680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=3680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}